It’s extremely uncommon that the funds will not be returned by the bank, it’s just a matter of time for the dispute to be processed.

90 days is the maximum time for all disputes; in most cases it is much less. Especially when related to ATM malfunctions, it’s very likely that the dispute will be processed in much less time than 90 days.

CodingJack said
Hi Nissim,
Is it common that you aren’t able to eventually resolve these issues? Why not just credit the money back to the customer and then resolve the issue with the bank afterward? After all, the customer gave you his money in good faith, and you told him he could use any ATM to retrieve it. So why should he have his money frozen when the problem is really between you and the bank?

Payoneer is just a service reseller and you cannot expect it to do that.

This is just like most things that take time to process. When you file a dispute there is a method of doing so and you can’t expect results in hours; just like you may not expect your items to sell hundreds in few hours. It takes time and it seems that payoneer are on OP’s side

As frustrating as it is, there is a due process for a reason, to make sure everybody is on the same page and so everything gets logged properly, so that if there are issues, they can see the log and check that everything went accordingly.

I know Paypal has a bad rap but I think it depends on where you live. I’ve been using Paypal for years and have never had a bad experience. In fact, just the other day someone charged my debit card twice by accident. And usually those type of things take days or longer to get resolved with another bank, but one call to Paypal support and the money was back in my account.

An ATM error or malfunction would happen with any credit/debit card, it’s not related to Payoneer specifically.

That being said, it is still extremely rare for it to happen. When it does happen, in many cases the ATM will correct itself within a few days, however if not disputes take up to 90 days, depending on how quickly the issue is resolved with the bank.